Save Thousands During Incapacity Through a Durable Financial Power of Attorney

A durable financial power of attorney is one of the most valuable estate planning tools when comparing the cost with its potential benefits. For a minimal fee a properly drafted power of attorney can easily save several thousand dollars during incapacity. If a potential client has limited financial resources or is reluctant to invest in creating or updating their entire estate plan, I will always encourage them to at least invest in a durable financial power of attorney.

What is a durable financial power of attorney?

A durable financial power of attorney is an incapacity planning tool involving three parties. The “principal” is the person who creates the durable financial power of attorney. The principal appoints a second person as their “agent” or “attorney-in-fact” and grants their agent legal authority to manage his or her legal and financial affairs during incapacity. The third party involved is usually a bank, financial institution, or other person or entity who must be presented with the durable financial power of attorney and who must accept the agent’s authority for it to be effective.

A durable financial power of attorney generally grants the named agent legal authority to do anything and everything the principal could do if he had capacity. The agent is a fiduciary to the principal, meaning the agent must act in the principal’s best interests and must not take any action that benefits the agent. The agent is permitted, for example, to use the durable financial power of attorney to access the principal’s bank accounts to pay for the principal’s medical expenses. The agent is prohibited, however, from using it to access the principal’s bank account to purchase himself a new car. If the agent breaches his fiduciary duty to the principal, the agent will be held liable and forced to pay monetary damages to make the principal whole.

A durable financial power of attorney may be immediately effective or “springing.” If a durable financial power of attorney is immediately effective, the agent has legal authority to act on the principal’s behalf as soon as it is signed. If a durable financial power of attorney is “springing” the agent’s authority is dormant when it is signed and only springs into effect when the principal is determined to be incapacitated.

Typically, an executed durable financial power of attorney will be placed in a safe or a safe-deposit box and forgotten until the principal becomes incapacitated or directs the agent to take action on his behalf. The agent will then present the durable financial power of attorney to a third party, such as a bank, to demonstrate that he has the authority to act on the principal’s behalf. Most third parties will require clear and explicit language supporting the agent’s proposed actions. If the agent wants to withdraw money from the principal’s bank account, for example, the bank teller will review the durable financial power of attorney for specific language authorizing the action.

Durable financial powers of attorney remain in effect until the principal either revokes the document or passes away. Once the principal passes away, the principal’s will, trust or the laws of intestacy will control the disposition of their estate and the agent will no longer have the authority to take action on the principal’s behalf.

Do I really need a power of attorney?

Everyone needs a power of attorney to plan for potential future incapacity. No one, including a spouse or child, has authority to access an incapacitated person’s bank accounts, to manage the incapacitated person’s real property, or otherwise handle the incapacitated person’s financial and legal affairs without a durable financial power of attorney. To obtain the legal authority in the absence of a power of attorney, someone must file a lawsuit in the local circuit court, prove that the person is incapacitated, and ask for an order granting them the legal authority to manage the incapacitated person’s affairs. This process is known as a guardianship and conservatorship proceeding.

Most people are not fond of guardianship and conservatorship proceedings. First, the incapacitated person has little or no say over who is named as their guardian and conservator. Second, the person named as guardian and conservator is subject to court supervision, must provide a written inventory of the principal’s assets to an attorney known as the Commissioner of Accounts, and must periodically provide a written accounting to the Commissioner of Accounts detailing how money was spent on the principal’s behalf during incapacity. The person appointed as guardian or conservator is also required to purchase an insurance policy to insure against potential mismanagement of the incapacitated person’s assets. The entire process is public, expensive, and can be easily avoided through the use of a durable financial power of attorney.

A durable financial power of attorney accomplishes the same goals of a guardianship and conservatorship proceeding but through much more private and less expensive process. First, it allows a person to retain control over who manages their affairs during incapacity. Second, the agent under a durable financial power of attorney is not subject to court supervision and is not required make annual accountings to the Commissioner of Accounts. The agent may be required to account to the principal’s family but on a less frequent and less formal basis. The agent is also not required to purchase insurance to insure against mismanagement of the incapacitated person’s assets. Most people prefer a durable financial power of attorney over a guardianship and conservatorship proceeding when faced with a choice between the two.

Changes in the Law Governing Durable Financial Powers of Attorney

If you have a durable financial power of attorney that was executed prior to 2010, it is still advisable to have it reviewed and updated by an attorney. The Virginia General Assembly enacted the Virginia Uniform Power of Attorney Act in July of 2010. The change in law does not affect the validity of durable financial powers of attorney executed prior to July 1, 2010 but it does affect how all durable financial powers of attorney are interpreted under Virginia law.

There are also important practical reasons for updating a durable financial power of attorney. Traditionally, powers of attorney were relatively short documents which used broad, sweeping language. Banks and other financial institutions have become increasingly reluctant to accept an agent’s authority absent explicit language supporting the agent’s requested action. As a result, many older durable financial powers of attorney are ineffective despite remaining valid legal documents. An updated power of attorney can provide the comprehensive and explicit language necessary to satisfy financial institutions so that your agent is never unable to act on your behalf during incapacity.

If you have any further questions about durable financial powers of attorney please attend one of our free seminars.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

And our office is next at 460 McLaws Circle the Williamsburg Commerce Center. (If you get to Morningside Assisted Living at 440 McLaws Circle, you’ve gone too far.)

Turn RIGHT into the parking lot entrance situated just before the sign reading Williamsburg Commerce Center, 460 McLaws Circle.

Our office building is a red brick two-story with black tinted windows. The parking lot is in the front.

The office is located on the second floor, Suite 200.

Upon entering the building, go up the staircase before you. At the top of the stairs, turn RIGHT. Our office is immediately to the right of the head of the staircase – Suite 200.

To take the Elevator: Upon entering building, go toward the hall to your Right – the elevator is on the corner. Take the elevator to the second floor. When you exit the elevator, turn LEFT. Suite 200 will be directly in front of you immediately beyond the head of the staircase.

If you require handicap parking and/or need any assistance to access our building, please let us know before you arrive so we may make your experience as comfortable as possible.

Please feel free to call us at 757-220-8114 if we may be of further assistance. Please drive safely. We look forward to seeing you soon!

Our Fredericksburg office is a 2 story brick building at Millrace Commons. There is parking in a lot in front of the building, including several handicapped spots and visitors’ space. There is also quite a bit of street parking. Union Bank is located next to our building.

From SouthTake I-95 North and merge onto VA-3 E/Plank Road via exit 130A .After going down the hill, take the left exit off of VA-3 E onto William St.Take a slight right onto Hanover St. [Note: If you get to St. Mary’s church, you have gone too far.]You will pass the UMW athletic fields, and then take a right onto Kenmore Ave. (Salon 730 is on the corner.)Take the first sharp left onto Jackson St.Our office is on the 2nd floor

From NorthTake I-95 South and merge onto VA-3 E/Plank Road via exit 130AAfter going down the hill, take the left exit off of VA-3 E onto William St.Take a slight right onto Hanover St. [Note: If you get to St. Mary’s church, you have gone too far.]You will pass the UMW athletic fields, and then take a right onto Kenmore Ave. (Salon 730 is on the corner.)Take the first sharp left onto Jackson St.

Our office is located in the WINDWOOD CENTRE on the corner of the intersection of Lynnhaven Parkway and International Parkway. This is a four story brick building. If you require handicapped parking, there are spaces available on the first row of spaces closest to the building.

From Virginia Beach

I-64 to NEWTOWN ROAD EXIT (Exit 284B).

Merge onto I-264 E/ NORFOLK –VIRGINIA BEACH EXPRESSWAY.

Take the LYNNHAVEN PARKWAY SOUTH Exit (Exit 19A).

Merge onto LYNNHAVEN PARKWAY/VA-414S.

Drive approximately 1.2 miles until you see LYNNHAVEN MALL on the right. This will be at the intersection of Lynnhaven Parkway and International Parkway. There is a Cracker Barrel Restaurant on the right side of the road as well.

You need to turn left from LYNNHAVEN PARKWAY onto INTERNATIONAL PARKWAY. There are two turn lanes and you want to be in the inside turn lane. After making this left hand turn, the first drive way on your right is the entrance to Windwood Centre. Turn there and the first parking lot on your right is our parking lot.

From Norfolk:

Take I-264 towards Virginia Beach.

Take the LYNNHAVEN PARKWAY SOUTH Exit (Exit 19A).

Merge onto LYNNHAVEN PARKWAY/VA-414S.

Drive approximately 1.2 miles until you see LYNNHAVEN MALL on the right. This will be at the intersection of Lynnhaven Parkway and International Parkway. There is a Cracker Barrel Restaurant on the right side of the road as well.

You need to turn left from LYNNHAVEN PARKWAY onto INTERNATIONAL PARKWAY. There are two turn lanes and you want to be in the inside turn lane. After making this left hand turn, the first drive way on your right is the entrance to Windwood Centre. Turn there and the first parking lot on your right is our parking lot.

Drive approximately 1.2 miles until you see LYNNHAVEN MALL on the right. This will be at the intersection of Lynnhaven Parkway and International Parkway. There is a Cracker Barrel Restaurant on the right side of the road as well.

You need to turn left from LYNNHAVEN PARKWAY onto INTERNATIONAL PARKWAY. There are two turn lanes and you want to be in the inside turn lane. After making this left hand turn, the first drive way on your right is the entrance to Windwood Centre. Turn there and the first parking lot on your right is our parking lot.

Once you are inside 780 Lynnhaven Parkway: The elevator is along the back wall. Take the elevator to the third floor. When you exit the elevator, you will see the Carrell Blanton office.

Please feel free to call us at 757-689-8668 if we may be of further assistance. Please drive safely.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.

EMAILING ATTORNEYS FROM THIS WEBSITE DOES NOT CREATE AN ATTORNEY- CLIENT RELATIONSHIP Emailing Carrell Blanton Ferris & Associates, PLC does not create an attorney-client relationship between users of this site and any other party whatsoever. Carrell Blanton Ferris & Associates, PLC will not enter into an attorney-client relationship on- line, through this web site, through any other website, or through electronic mail or any other electronic medium. It is our policy to enter an attorney-client relationship only through a written engagement or retainer agreement, and only where doing so would comply with all applicable laws and ethical rules.

DO NOT EMAIL CONFIDENTIAL INFORMATION TO US OR ANYONE ELSE Transmission of information on-line, over the Internet, or through the electronic means can be unstable, unreliable and insecure. There is a risk that information may be intercepted illegally. There may also be a risk of waiving attorney-client and/or work-product privileges that might attach to such communications, where a proper attorney-client relationship exists. You should not send information or facts via email relating to your legal problem or question. If you are not an existing client of ours, your email may not be privileged or confidential. Moreover, some states have suggested that even if you are our client, email communications may not be privileged.